Subscription Audit Calculator
List all subscriptions, see totals, and discover what that money could grow to if invested.
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Subscriptions are designed to be forgettable. They charge small amounts automatically so you never confront the full cost. This audit tool forces you to list every recurring charge, shows you the real monthly and annual total, and calculates what that money would grow to if invested instead. Most people find 2–4 subscriptions they had forgotten about entirely and $200–$600/year they can recover immediately.
Example Audit
Spotify: $11/mo
Investment Opportunity Cost
Annual spend = Σ (Monthly cost × 12) for all subscriptions Future value = Annual spend × [(1 + r)^n − 1] ÷ r Where r = annual return rate, n = years invested
The Subscription Creep Problem
Each individual subscription feels affordable. The problem is they accumulate silently. A 2021 survey found the average American underestimates their monthly subscription spend by $133. Meanwhile, free trials convert to paid plans automatically, 'paused' subscriptions resume, and family plans get split among fewer people as circumstances change. An audit once or twice a year resets your baseline.
Frequently Asked Questions
How do I find all my subscriptions?
Check your bank and credit card statements filtered by recurring charges. Also check Apple/Google subscription managers in your phone settings.
Which subscriptions are usually worth keeping?
Ones you use weekly or more. Anything used less than monthly is a candidate for cancellation or downgrade.
What's the fastest way to cancel unwanted subscriptions?
Go through your bank's recurring payment list and cancel directly from provider websites. Apps like Rocket Money can automate this.
Should I cancel or pause during low-use periods?
Cancel unless re-signing up is very inconvenient. Pausing rarely saves money because the pause period is limited.